Heidi Unrau

It’s time to compare two of Canada’s leading neobanks – KOHO vs EQ Bank. Loyalty is an excellent quality to have, except when it comes to your cash. Sticking to one of the Big Five without exploring other options is like setting your money on fire with fees. KOHO is a Canadian fintech company on […]

Online banks are digital institutions that do not rely on physical branches. With lower operating costs than their brick-and-mortar counterparts, online banks are able to pass the savings on to us in the form of lower fees and higher interest rates on deposits. But each one is unique, offering different features, benefits, and drawbacks to […]

Would you like fries with that prediction? Big Macs, unclaimed corpses, and diaper rashes can tell us a lot about market trends. These weird economic indicators look beyond the traditional metrics of Gross Domestic Product (GDP), inflation, and unemployment. Instead, they spotlight oddball data that can help predict where the economy might be headed and […]

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So you ordered something online and the package didn’t arrive, now what? As an extreme introvert, I do most of my shopping online, and so do 27 million of my fellow Canucks. That’s a lot of stuff to deliver – something’s bound to get lost. Generally, the seller is obligated to ensure the shipment arrives […]

Credit card churning can hurt your credit score if you’re not careful. That’s because credit card churning is the act of frequently applying for new credit cards just to get generous welcome offers. Then you cancel the card before the annual fee is due. Not only does the practice subject you to multiple hard credit […]

There is no universal minimum credit score for renting an apartment in Canada. While most landlords prefer a good credit score of at least 660, a lower score won’t automatically disqualify you. The minimum credit requirements vary widely among landlords as well as rental markets across the country. In this article, we’ll explore everything you […]

Homebuyers are often left scratching their heads, wondering “What is the minimum credit score for a mortgage in Canada?”. In most cases, you need a credit score of at least 680 to qualify for a mortgage through a traditional lender. If your credit doesn’t stack up, there are alternative options available. Whether you’re a first-time […]

Understanding how a credit score is calculated in Canada is essential to your financial health. This three-digit number determines your ability to access loans, credit cards, and even rent an apartment. In Canada, credit scores are primarily determined by two major credit bureaus: Equifax and TransUnion. While they both consider many of the same borrowing […]